report oversimplified. >> on january 1st, 2014, an insurance marketplace will be up and running and consumers will have more access to quality, affordable health coverage. >> many won't be able to use the subsidies, unions must pay insurance foreindividual workers but not their spouse or children. >> if the employer pays for the workers share of that, say $4,000 to $5,000 but says to the family you have to pay the other $10,000 and family only makes $30,000. that is third of their income. they may not be able to buy insurance. they may not be eligible for subsidies in the exchange either >> now the family is caught in limbo. >> and they may lose the insurance they. >> have the coverage you have now isn't going to exist for most people next year or the year after. >> reporter: in fact the law is full of incentives.